Pay bills like your rent, utilities and streaming services with your digital checking account and we’ll find payments that could instantly raise your credit scores.ø
Earn a $50 bonus
You can get a $50 bonus when you set up direct deposit.‡ Plus, paydays get even better with paychecks hitting your account up to 2 days early.†
Banking made easy
Get answers fast with live support 7 days a week and skip the fees at 55,000+ ATMs** worldwide. Convenience, wherever you go.
Smart Coverage benefits
Your Experian Smart Money™ Digital Checking Account and Debit Card comes with Cell Phone Protection, Price Drop Protection and Purchase Assurance Plus.1
The Experian Smart Money™ Digital Checking Account makes it easy to transfer money, pay bills and more online or on your phone—without a physical bank. More features include:
We’ll automatically find bills you pay that could raise your credit scores.ø
Get your paycheck up to 2 days early†, plus a $50 bonus‡, with direct deposit.
We don’t charge any monthly fees¶, and there’s no minimum balance.
Access to 55,000+ no-fee Allpoint ATMs** worldwide.
Get an Experian Smart Money™ Debit Card that you can add to your digital wallet and start using instantly.
Along with your account, you’ll have access to Experian membership benefits like your Experian credit report, FICO® Score*, credit monitoring and more.
No, there is no credit check required because the Experian Smart Money™ Digital Checking Account is not a credit product. That means you don’t need to worry about negatively impacting your credit when you open an account. The Experian Smart Money™ Digital Checking Account could actually help you build your FICO® Score* by linking to Experian Boost® to give you credit for the bills you already pay.ø
Not only does a negative credit history not stand in the way of opening an Experian Smart Money Digital Checking Account, neither does your banking history. Many banks use ChexSystems to look into your past bank accounts, but the Experian Smart Money™ Digital Checking Account does not, which removes another barrier as you get started on your credit journey.
Opening an Experian Smart Money™ Digital Checking Account only takes a few minutes. You’ll first need an Experian membership. If you don’t have one, you can create one for free on Experian.com or through the Experian app. Then you’ll just need to verify some personal info like your name, phone number, physical address and email address so we can confirm you’re eligible to open an account.ӂ
Every Experian Smart Money™ Digital Checking Account is FDIC insured§, which means your money is held in a pooled account at CFSB and insured up to $250,000 for each account ownership category. Learn more on the FDIC website.
As soon as you open your digital checking account, you’ll get a virtual debit card. Deposit money and add your card to your digital wallet to start using it immediately with contactless tap to pay. You can also request a physical debit card for free once you’ve deposited money into your account.Δ
There are 3 ways to deposit money into your digital checking account:
Deposit cash†† at popular retailers including CVS Pharmacy, 7-Eleven and Walmart
There are no monthly fees¶, and no minimum balance required to open an Experian Smart Money™ Digital Checking Account. Generally, we don’t charge you any fees to move money in or out of your account, set up direct deposit, make transfers or pay bills. There are fees to deposit cash, make foreign transactions and get cash at out-of-network ATMs. See the Cardholder Agreement for applicable fees.
Bills you pay with your Experian Smart Money™ Digital Checking Account could actually help raise your credit scores! Your account is automatically connected to Experian Boost®, which could help you get credit for some of the bills you already pay.ø
Otherwise, opening a checking account generally has no impact on your credit scores. Purchases made through your account and the amount of money in it also don’t affect your credit scores.
